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TOTALLY CONFUSED - Top up voluntary NI contributions prices after 5 April 2025 for gap years
Sorry if I am repeating another entry.... My situation is that I am currently 5 full years short to obtain the full state pension per Gateway. The actual Tax Gap being 2019-20, 2020-21, 2021-22, 2022-23 & 2023-24. I have 8 years left before I can draw a state pension. I have no intention to work during these 8 years. I…
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Pension top up for one year
Edit - thanks all, I think I’ve hit the explanations I need 👍 Hi It’s been a long long time since I was on here 😁 I’m coming up to 60, so will get my state pension at 67, but have already retired so won’t be working between now and then. I’ve just done a check and it’s saying I need 1 more year to get the full state…
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Cheaper to buy extra years from abroad
Hi everyone, Wish I'd found this forum sooner! Sorry if the answers are already here somewhere but I'm up against this deadline. So a couple of questions. I lived abroad for a few years (and am doing so again) so I have a gap in my NI contributions - am I right in thinking that I can buy cheaper class 2 contributions for…
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Unable to assess whether I should backpay or not? 34 year old with otherwise stable finances
Hi all, Many thanks in advance for anyone reading / commenting. According to Martin's guide, it's likely not worth me making these payments, but I would still feel more comfortable if I could have some third-party comments on my situation. I have 6 full NI years on my record, and this is my current NI gap situation: Those…
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Missing Gap Years - Cheapest Year Ignored
I am due to receive my state pension in about 3 and a half years time.After checking online I see that I am 3 years short of getting a full pension, and would like to buy those 3 years.I am no longer working so won't be paying anymore NI contributions.When checking my missing payable gap years online, (I have 10), the 3…
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National Insurance gap why so much?
Hi, I have a gap for 2022 to 2023 for £500 and a gap for 2023 to 22024 for £900. I don't understand why the amounts to be paid are so high as I was solely self-employed for those tax years and my SE profits from 2022 to 2023 were only £1800 and £2500 for 2023 to 2024. I thought that the class 2 N.I. rate was around £160 to…
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Can you backdate class 2 eligibility?
Hi, I am trying to backdate my eligibility to fill some gaps with class 2 contributions. Since 2017 I’ve done tuition in the spring term. As I earned below £1k a year I did not submit a tax return. I never realised I would benefit by registering as self employed until now when I realise that this would have entitled me to…
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What if the state pension rules change?
Hi all, first post here and hoping to get some advice. I’m due to receive my state pension in 2037 (I’m 54), and I have 23 years of contributions currently. I will not be paying any more NI as I am not in work and almost certainly won’t be in the future. (I have a couple of properties and can just about get by on the…
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Worth paying missing NI years to be able to stop working (and paying NI) before 67?
If I work to 67 I'll have the full 35 years NI payments, but only just, I've got three gaps from time abroad. If I were to pay these gaps now, then I could stop work at 64 and still get my full state pension at 67 (I hope to have enough private pension to tide me over till 67). However, I'm wondering if it would be…
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How do I make sure my NI claim is registered before 5th April
I have been trying for two days to get through to the NI office as they say I dont have a full year 2014/2015 but my accountant who I had at the time says that is incorrect How do I make sure I dont miss the 5th April deadline or at least get my problem logged with them ?
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HMRC options to buy back NI years.
I'm reach State Pension age in September. I use the HMRC App and they are offering me 2 options to buy additional NI years. The options give me either an additional £6pw or £12pw. Whichever I choose, it would take two years to break even. I've got to decide by 5 April. My questions is; Do these options include the…
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State Pension - How many years NI?
Hi all Does anyone understand how the number of qualifying years is calculated for full state pension? I know it's now 35, but the years before 2016 can alter that, as can any periods contracted out. Just check my NI record and pension forecast and am confused I am 49 years old, have 29 full years (3 years from school post…
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Buying National Insurance Years Back for your pension
I am a 41 year old man who found out about this thanks to the real-life super-hero that is Martin Lewis. I realised I had NINE NI years that weren't full and I could 'buy' - and it also forecast that it could improve my pension by up to around £50,000 Only catch... (isn't there always a catch?) - it would cost me £7,714 to…
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Topping Up From Abroad
Hi, I'm getting all turned around and I'm hoping someone can advise me, please. Myself, my husband and I live abroad, now within the EU. I have 7 years NI paid and a few partial years paid. My husband has 3 years paid and a few partial. To bring both of us up to the 10yrs minimum will cost us about £4k. At the moment, we…
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How are Class 3 contributions shown on your record?
Hi I'm sure someone can tell me - if I bought Class 3 NI contributions how would they be shown on my HMRC record? I can see the Class 2 I bought are shown as Self Employment but I need to know how any Class 3 contributions would be shown. Many thanks for your replies.
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Have I made the 5 April cut-off deadline?
Please help calm an anxious person… I am a UK citizen who lived in the UK until graduating university. After graduation I moved abroad and have been living overseas ever since (about 20 years). Thanks to Martin’s media campaigns, I recently became aware that I hadn’t paid any NI contributions since then and have all the…
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"National Insurance Record not available now"
For the last few weeks it has been impossible to retrieve my national insurance record from gov.uk, saying it is not available and possibly overloaded. Are others having a similar problem? Any solutions?
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National Insurance Contributions
Hi there, I have been following the national insurance record articles on Martin Lewis and have checked my record. There are a lot of gaps from when I was studying or on Job Seeker's Allowance and I was wondering whether anyone knew who pays the national insurance contributions when you are studying full-time or are on Job…
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self employment NI issue
Hi I have been checking my pension forecast ie due to retire at 66 next year, and have found that even though I have been self employed for the least 18 years and completed my self assessments accordingly, every year is short by the class 3 NI amount which makes buying more years a considerable some of money. I have worked…
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Confused about topping up before deadline, from Spain
Hi, I really need some help with the state pension top-up deadline. My situation: I'm in my early 50's and have been living and working in Spain since 1998. Before that I paid three years of NI contributions in the UK, but have been paying state social security in Spain ever since. My State Pension summary (from the HMRC…
